Company: CDG Commerce

Website: CDG Commerce

Products: Merchant Accounts, Virtual Terminal, Mobile Payments, E-Commerce Payments

CDGcommerce Payment Gateway
CDGcommerce has been in business for a while and they are a solid merchant account and payment processing provider. Here is our quick summary followed by our detailed review.

Quick Summary

  • Online, swipe and mobile credit card acceptance
  • No termination fees
  • No monthly minimum
  • No setup fees
  • Interchange-plus pricing offered
  • Customer Support

CDG Commerce (www.CDGcommerce) has been offering payment gateway services to merchants since 1998. CDG knows how to service merchants and they do it for a low monthly fee. Check their prices here.

Here are 6 great things about CDG

  1. They have been in business since 1998.
  2. No set up fee
  3. No monthly minimum
  4. No early termination fee
  5. No PCI compliance fee
  6. Free use of Quantum gateway

Countries where CDGcommerce offers Services

United States only. You must be a merchant based in the United States.

Quantum Gateway

The Quantum gateway is a no charge gateway offered by CDG. There are no gateway fees. Getting setup and onboarded takes about an hour. This is a great option for businesses that want to save money. The Quantum Gateway also has integration components that are ready for popular ecommerce solutions such as Oscommerce, Magento, X-Cart, WooCommerce, WordPress, ZenCart and more. If you don’t mind paying $15 a month you can get Authorize.Net. Authorize.Net offers many, many options to integrate with more ecommerce solutions.

Products, Services and Features

Virtual Terminal

The virtual terminal is no charge and allow you to accept payments from an internet-connected computer.


Terminals have an insurance fee of approximately $79 per year. This isn’t a bad fee as you’ll simply return the terminal when you’re done with it. You won’t pay thousands of dollars in terminal leasing fees.

Mobile Payments App

You can process swiped transactions from any computer or smartphone. Unfortunately, their mobile reader is not EMV capable. If EMV is a big thing for you then you’ll want to look elsewhere.

CDGcommerce Fees

Online Credit Card Processing Fees

  • 1.95% + $0.30 per transaction. This is the fee that you’ll pay most of the time. There is a higher fee for non-qualified transactions. These are purchases made with international credit cards, corporate purchasing card and other types of specialty credit cards. You generally won’t see many of these specialty cards in your business.
  • 2.95% + $0.30 per non-qualified transaction (international, corporate cards and premium cards)
  • $10 monthly support
  • No setup fee
  • No early termination fee
  • No monthly minimums
  • No annual fees

Check their prices here.

Swipe Credit Card Fees

Swipe fees are what you pay for swiping a credit card through your credit card terminal. Merchants who have brick and mortar stores are in this category. Swipe fees are always lower than ecommerce or online transactions. This is because the purchase takes place in-person and i.e. it has less risk than an internet transaction.

  • 1.70% + $0.25 per transaction
  • 2.90% + $0.30 per non-qualified transaction (keyed-in sales, international and premium cards)
  • $10 monthly support
  • No setup fee
  • No early termination fee
  • No monthly minimums
  • No annual fees

Mobile Fees

These are what you pay for using a card reader that plugs into your smartphone.

  • 1.70% + $0.25
  • 2.90% + $0.30 per non-qualified transaction
    (keyed-in sales, international and premium cards)
  • $10 monthly support
  • $15 cdg360 bundle (optional)
  • No setup fee
  • No early termination fee
  • No monthly minimums
  • No annual fees

CDGcommerce Additional Services


For $15 a month CDG offers the 6 products below in a bundle. This is a bundle of items to help you handle some of your PCI responsibilities, train your staff and investigate potential security areas that need your attention. This bundle is optional and seems reasonable at $15 a month. Here are the items in the bundle.

  • $100,000 Breach Protection Plan: in the event of a suspected data breach compromise this plan will cover the cost of the required certified forensics investigation.
  • Merchant Trust Seal: this feature is designed to help you increase your sales conversion rates by providing customers with an additional high level of assurance from a trusted 3rd party that your business has been evaluated for both for its financial stability as well as for PCI DSS compliance.
  • Vulnerability Scanning: This service is for merchants with e-commerce Web sites as well as merchants utilizing IP-based processing systems this solution is a must.
  • Customized Security Alerts: instead of flooding your inbox with numerous security alerts that do not apply, this tool sends specific alerts for ONLY the systems that YOU are actually using at your business – including systems that you are running on public-facing Web servers, shopping carts, billing systems as well as desktop applications.
  • Staff Security Awareness Training: for many businesses the weakest link is the level of security knowledge possessed by their employees and to address this huge gap we are providing a complete, easy to use “101” online tutorial for security training which can be delivered and tracked to your individual employees.
  • SAQ Wizard: the first step in securing your business is to identify where the key risks are and building an easy-to-follow roadmap to quickly and efficiently address them. Our new Self-Assessment Questionnaire Wizard provides you with the power to do this through an interactive question & answer process.How Long is Your Contract?

There is no early termination fee, so you’ll never be locked into a contract. If you sign up for the gateway and merchant account combination through CDGcommerce, your account will come from Merchant Focus and will not include an early termination fee. But always read your contracts.

Customer Service and Technical Support

Customer support is provided by email and telephone. One thing you don’t always see in a payment processor’s website are testimonials from customers. CDG has a lot of these. This is a good sign as many merchants won’t do this for their payment gateway. We take this a positive sign that CDG delivers on customer support.


CDGcommerce performs well. They offer online, swipe and mobile payment processing. Their fees are reasonable and simple. If you’re a brick and mortar operation and need a terminal, CDG offers one of the most inexpensive options with a simple $79 annual insurance fee.

Another merchant services provider we recommend is…Helcim.